Frequently Asked Questions

WHAT IS THE CHMRx SAVINGS CARD?
The CHMRx Savings Card is a non-insurance discount card that provides saving solutions for individuals and families. Our aim is to minimize your “out of pocket” expenses for your prescriptions.

The CHMRx Savings Card allows card members to purchase prescriptions at over 64,000 participating nationwide pharmacies and receive the lowest available cost. At the point of purchase, members will receive the lower of the participating pharmacy regular retail price (as submitted to CHMRx or other nationally contracted discount price). Members always are assured of the lowest price! If the participating pharmacy price is higher than the CHRMx contracted price, then card members will receive a discount on that prescription. If the pharmacy price is lower than the CHRMx contracted price, then the member will not receive a discount; however, the card member still receives the lower price. This eliminates time-consuming shopping at pharmacies to see who has the lowest price. Card members can go to one pharmacy and are assured that the price charged is fair and competitive.

HOW DO I USE THE CHMRx SAVINGS CARD?
Simply provide this card each time you go to a pharmacy to purchase prescriptions and make sure the pharmacy submits the pharmacy claim on-line to CHRMx. This always ensures the card member receives the lowest price! Remember, you must use one of the 64,000 participating nationwide pharmacies. Nearly 8 out of 10 pharmacies accept this card.

WHO CAN USE THE CARD?
The card is for family use and therefore can be used by the card member, spouse and/or children. We’ve provided an extra card for you to give to a friend, neighbor or relative. If your family needs additional cards, then click here to request another to be mailed to you. You may also download a card to your phone.

HOW DOES THE CARD WORK?
Please note that not every prescription can be discounted. This card is a “cash discount card” where the member pays 100% at the point of purchase. Card members pay the lower of 1) CHMRx contract price, 2) the pharmacy regular retail price. This card is not insurance where the card member pays a flat dollar co-pay (for example, $10.00). Members on average save about 15-35% off the regular price. This depends on what medications the card member is purchasing or on the markup of the pharmacy’s regular price. Some prescriptions have savings of up to 65% on generic medications with overall savings of 40% across brand name and generic medications combined.

WHERE CAN I USE THE PHARMACY SAVINGS CARD?
Finding a pharmacy is easy; 8 out 10 pharmacies nationwide accept your card.

DO I ENROLL?
There is no need to enroll.
This card is already activated. Simply write your name on the card and take it to the pharmacy the next time you need a prescription. Remember, this is a FAMILY card. Your entire family can use this same card.

WHY USE THE CARD?
CHM is not an insurance company and most prescription costs are not eligible for sharing (see chministries.org/prescriptions). Therefore, the CHMRx savings card is an excellent way to save money on your prescriptions.

WHAT SAVINGS DO I GET AS A MEMBER?
The savings percentages range up to 65% on generic medications with overall savings of 40% across brand name and generic medications combined. The best thing to do is try the card; you have nothing to lose!

WHEN CAN I START USING MY CARD?
You can start to save instantly. Just give your card to the participating pharmacy. They will enter you in the system as belonging to the CHMRx savings card program. You begin to save immediately.

IS THE PRESCRIPTION SAVINGS CARD AN INSURANCE PROGRAM?
No. This is not an insurance program. It is simply a way to obtain savings on all your prescription needs.

IS THERE A MAXIMUM USE OF THE BENEFITS?
No, unlike insurance, utilization is encouraged because it directs traffic to participating pharmacy locations. You and your family may use the benefits as many times as needed.

IS THERE A CLAIM FORM TO FILL?
In most circumstances, there are no claim forms or other paperwork to file. You receive your discount at the time of service and you must pay the pharmacy the discounted amount in full at the time services are rendered. (Christian Healthcare Ministries only reimburses prescription costs for Gold members in certain circumstances, in which case you can submit these expenses to CHM for sharing. For more information on prescriptions eligible for sharing, visit chministries.org/prescriptions.)

IS THERE A PRE-EXISTING CONDITION EXCLUSION?
No, this discount program isn’t insurance and therefore doesn’t require claims adjudication. Though CHM sharing limits apply for pre-existing conditions (see chministries.org/preexistingconditions), you can still use your CHMRx card every time you visit the pharmacy for prescription savings.

I STILL HAVE QUESTIONS, HOW CAN I GET HELP?
You may click here to submit a question, or call us at 1-877-621-2962.